Originally Posted by Kadath

All right. I will say that I didn't have a credit card for a long time, and things got harder and harder for me. Rental car companies don't accept debit cards, and neither do many hotels (the theory being you could have money in the account when they check the balance, then remove it) and having no credit score makes it difficult to buy large things, as other have said. The earlier you have a card, the easier it is to build credit, if you are responsible with it.